American Commerce Bank, National Association
Total assets
$495.7M
▼ -0.9% YoY
Deposits
$392.1M
▼ -3.1% YoY
Loans
$401.4M
▼ -4.1% YoY
Offices
4
AMERICAN COM BANCSHARES INC
ROA (annualized)
1.79%
peers 1.24%
ROE (annualized)
10.61%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -3.1% | +4.0% | -7.1 pts |
| Loan growth (YoY) | -4.1% | +5.6% | -9.7 pts |
| ROA | 1.79% | 1.24% | +0.5 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- AMERICAN COM BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 400 Us Highway 27 Byp, Bremen, GA, 30110
- County
- Haralson
- Metro area
- Atlanta-Sandy Springs-Alpharetta, GA
- Offices
- 4
- FDIC cert #
- 57686
- RSSD ID
- 3272956
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $495.7M | $392.1M | $401.4M | $84.7M | $4.4M | 1.79% | 4.46% | 2.51% |
| Q1 2026 | $487.6M | $384.8M | $409.6M | $82.5M | $2.2M | 1.80% | 4.38% | 2.43% |
| Q4 2025 | $485.0M | $385.1M | $405.5M | $80.3M | $8.4M | 1.67% | 4.31% | 2.57% |
| Q3 2025 | $495.5M | $398.1M | $396.9M | $78.1M | $6.2M | 1.62% | 4.29% | 2.58% |
| Q2 2025 | $500.4M | $404.8M | $418.7M | $75.9M | $4.0M | 1.57% | 4.24% | 2.29% |
| Q1 2025 | $511.5M | $416.7M | $432.2M | $73.6M | $1.8M | 1.35% | 3.83% | 3.34% |
| Q4 2024 | $536.3M | $443.5M | $440.1M | $71.9M | $6.1M | 1.21% | 3.81% | 3.32% |
| Q3 2024 | $514.9M | $423.8M | $439.5M | $70.2M | $4.7M | 1.25% | 3.87% | 2.20% |
Loan mix (Q2 2026): real estate $378.8M · commercial $29.5M · consumer $1.7M · securities $0
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.4% | 62.9% | 12th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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